3 things you should know about RV insurance

You worked hard and saved diligently to purchase the RV of your dreams. It would be a tragedy if a natural disaster or car accident destroyed your investment. You should not rely on your home insurance to cover your RV in Arvada, CO. Instead, you should consider purchasing an indemnity plan for campers from Alliance Insurance Services. Read on to learn three essentials about RV insurance!

1. RV insurance is not required yet necessary

Some RV owners make the mistake of believing that insuring their camper is an option. The problem with such ideology comes in the fact of home insurance only covering a limited number of incidents regarding your camper. Your RV may be covered if damaged on your property per your home insurance plan. You, however, are on your own if you drive the vessel and get into a car accident down the road. 

Some Arvada, CO RV owners learn the hard way that home insurance does not equal full coverage for their RVs. You should avoid the devastation that comes with learning that you do not have enough assurance when it is too late by contacting an agent from Alliance Insurance Services. 

2. RV assurance works like auto insurance

Just as your auto indemnity plan has a deductible along with policy limits, so also does your RV assurance policy. The amount of damage covered under your plan heavily depends on the amount that you are willing to pay in monthly premiums. Those willing to pay more every month may find themselves walking away from an incident with no out-of-pocket costs to them. Meanwhile, those who pay less upfront may find themselves with a bigger bill down the road. 

3. How much coverage you need depends on a number of things

Not every RV owner is the same. Thus, it is important that you contact your local agent to find the policy that best fits your lifestyle and overall needs. Contact us today to get started with a quote to insure your RV!

Colorado Motorcycle Helmet Laws

Colorado is a state with a somewhat libertarian attitude. The laws in Colorado, in general, allow any adult to make decisions about their health and safety, as long as their decisions do not harm others.

The Colorado helmet law follows this philosophy. There is no legal requirement for any adult, who is over the age of eighteen, to have to wear a helmet when operating or riding on a motorcycle.

However, there is a legal requirement for any minor person, who is under the age of eighteen, to wear a helmet while operating or riding on a motorcycle. Parents in Colorado can be foolish about their safety but have to make sure their children wear a DOT-approved motorcycle helmet when on a motorcycle.

The Swimming Pool Thought Experiment

Imagine you jump headfirst into an empty swimming pool and smash your head into the cement at the bottom. That is what happens to those not wearing a helmet who are ejected from their bike and thrown up to 100 feet in the air before they come down hard on the pavement.

The National Highway Traffic Safety Administration reports that in states without a helmet law, 65% of the fatalities were people not wearing helmets. In states with all-rider helmet laws, only 13% of the fatalities were those who were not wearing a helmet.

Wearing a helmet may save your life. Even though the laws allow an adult in Colorado to not wear one, everyone should for their safety.

Motorcycle Insurance

Just like wearing a helmet having adequate motorcycle insurance is best. Work with your agent at Alliance Insurance Services, serving Arvada, CO, and the surrounding area, for coverage that suits your needs. Call to speak with your agent at Alliance Insurance Services in Arvada, CO to get an insurance review of existing insurance or a quote for new motorcycle insurance.